Iindlela ezi-4 zokufumana imali kwiShishini lakho laseKhaya lokuqalisa
Unokungathengisa kumajelo asekuhlaleni ngokukhululeka, kodwa ukwakha uluhlu lwe-imeyli indlela engcono yokufikelela kwaye uhlale uxhumeke kunye nemarike yakho. Ngokuxhomekeke kwishishini oqhubayo, unokufuna izixhobo ezizodwa, isofthiwe okanye izinto zokufumana ibhizinisi lakho phantsi. Zonke ezi zinto zibiza imali.
Abaninzi abasomashishini baya kuthatha imali yabo yokugcina imali, umhlalaphantsi okanye i-credit, okanye bafune ukuboleka imali ukuze bahlawule imali yabo. Abaninzi bayaphumelela basebenzisa le ndlela, kodwa abaninzi abangekho. Esikhundleni saloo nto bazifumana bexakeke ngakumbi kwiityala kwaye bazama ukufikelela kwiziphumo.
Ngethamsanqa, nge-self-discipline, greze kunye nobuchule, unokufumana imali oyifunayo ukuze uqalise ishishini lakho lasekhaya.
1) Gcina ipennies yakho. Kulungile, ngoko kuya kuthatha ixesha elide ukugcina ipenki, kodwa ungagcina iidola ezimbalwa apha nakhona apho ungongeza. Ukugcina i-$ 25 ngeveki, kuya kukunika i-$ 100 ngenyanga, i-$ 1,300 ngemali ungayifaka kwi shishini lakho.
Ukuba imali iqinile, jonga iindleko ongazinqumlayo. Ngaba ufuna ngokwenene i-$ 120 ngenyanga yenyanga yebhanki? Ngaba unako ukuphuza ikhofi yakho ekhaya kunokuchitha imali engu-3 ngosuku (i-$ 15 ngeveki, i-$ 780 ngonyaka) kwidibene ye-java? Endaweni yoko, thatha imali oyisebenzisayo kwikhefu, ikhofi kunye nezinye izinto ezimnandi, ezingabalulekanga kwaye utyalole kwi shishini lakho.
Xa usuphumelele, unokufumana zonke izinto ozibingelele ngokuqalisa kwakho.
2) Thengisa izinto ezingasetshenziswanga kunye nezinto ezingafuneki kwi-eBay, Amazon okanye kwi-Craigslist. Xa ndibe mfutshane ngemali, ndayifaka ikhaya lam izinto izinto andizange ndizifune okanye zizithengise kwi-eBay kunye neencwadi ze-Amazon. Unokwandisa ingeniso yakho ekuthengiseni izinto ezisetyenzisiweyo ngokuzicoca, uthatha umfanekiso omkhulu, ukubhala intloko ephosakeleyo kunye nenkcazo, kunye nokunyaniseka ngokupheleleyo ngemeko kunye nexabiso. Ukuba ukhetha ukuthengisa nge-Craigslist, qiniseka ukuba udibana nabathengi kwindawo kawonkewonke kwaye ucele ukuhlawula ngemali okanye isheke lokukhwabanisa ukuphepha ukukhwabanisa.
3) Yenze ivenkile yentengiso. Iibhayisikili, iithelevishini kunye nezinye izinto ezinkulu kunzima ukuthengisa nge-intanethi kunye nokulahlekelwa ukuthunyelwa. Okunye, ukuthengisa i-intanethi kunokuthatha ixesha. Ivenkile yokuthengisa ikuvumela ukuba uthengise izinto zakho kanye ngexesha elinye. Akukho ukupakisha okanye ukuthunyelwa okufunekayo. Kunokwenzeka ukuba uya kuzuza imali encinane kwezinye izinto ngokuzithengisa ngevenkile yokuthengisa ngokubhekiselele kwi-intanethi, kodwa uya kuba nemali kunye nezinto eziphuma ekhaya ngokukhawuleza. Cinga ngokunikela ngezinto ezingathengisi kwizontlalo zendawo. Ngoxa le nto ayiyi kuyenza imali, iya kugcina izinto zixubusha ikhaya lakho kwaye unokuthatha intsalelo yentlawulo, eyimali oyifumana kamva.
4) Thengisa inkonzo yakho kwisaphulelo kubathengi bokuqala aba-3-5. Enye indlela yokuqala ukuvelisa imali ngokukhawuleza kwishishini elisekelwe kwiinkonzo kukunxibelelanisa ukufumana abathengi. Mhlawumbi usenayo ifowuni kunye ne-Intanethi. Basebenzise bobabini ukubiza abaxhamli abanakho kunye nentsebenziswano nabantu abanokukuxhuma kwiingxaki. Akunakukukunceda nje ukuba ukhulise imali ngokukhawuleza, kodwa kwakhona ungakwazi ukuqaqa iqalisa ishishini lakho kunye neenqwelo zokuthungela, ngokunjalo.
Ukuba nebhizinisi lasekhaya lingakusindisa imali . Ukongeza, unokuqhuba ishishini lasekhaya kwibhajethi . Nangona kunjalo, amabhizinisi asekhaya aphumelele kakhulu atyala imali kwimveliso nakwiinkonzo ezibavumela ukuba bafikelele kwimarike yabo, bakhuthaze umfanekiso wesifundo, kunye nenkxaso yokuxhasa.